get peace of mind for when the flood waters rise with reliable insurance coverage

The idea of preparing for a flood is incredibly intimidating. It's hard enough to safeguard your home and the stuff inside without having to worry about paying for any potential damages on your own. Fortunately, Esurance can help you get a free quote for flood insurance coverage underwritten by the National Flood Insurance Program. More [+]

According to FEMA's Floodsmart.gov, a mere 6" of floodwater in a 1,000 square-foot home could cause over $20,000 of damage.** That's $20,000 that the right flood insurance policy could save you from paying out of pocket. And since the average policy costs about $650 a year* — or roughly $2 a day — that adds up to pretty significant savings.

flood damage vs. water damage

Flood insurance only applies to water damage that is directly related to a flood. Flooding can occur due to a variety of situations, including heavy rains, tropical storms, melting snow, insufficient drainage systems, and even failed protective devices such as levees and dams.

Coverage doesn't apply to preventable water damage, like that caused by moisture, mildew, or mold. It also won't apply in the case of damage caused by sewer or drain backup (unless a flood specifically caused the backup).

what flood insurance covers

Flood insurance policies cover damage to your property and possessions, though the protection varies. Building property coverage covers the structure of your home, while personal property coverage protects the possessions you keep there. For the best liability coverage for your home and valuables, it's a good idea to get both forms of coverage.

Both types of coverage help pay for the repair and/or replacement of the covered items listed below (up to the limit you select when you purchase coverage). More [+]

Building property coverage can help protect and pay for:

The insured building and its foundation

Electrical and plumbing systems

Central air conditioning equipment, furnaces, and water heaters

Refrigerators, cooking stoves, and built-in appliances such as dishwashers

Permanently installed carpeting over unfinished flooring

Permanently installed paneling, wallboard, bookcases, and cabinets

Window blinds

Detached garages (up to 10 percent of building property coverage); detached buildings (other than garages) require a separate building policy

Debris removal

Personal property coverage can help repair or replace:

Personal belongings, such as clothing, furniture, and electronic equipment

Curtains

Portable and window air conditioners

Portable microwave ovens and portable dishwashers

Carpets that are not included in building property coverage

Clothing washers and dryers

Food freezers and the food in them

Certain valuable items such as original artwork and furs (up to $2,500)

Personal property coverage will help pay up to the actual cash value of these items (that is, the original price minus depreciation) for a covered incident.

increased cost of compliance coverage

Most NFIP policies include Increased Cost of Compliance (ICC) coverage, which applies to insured buildings when flood damage is significant. In order to qualify for ICC coverage, you have to have building property coverage. ICC coverage provides up to $30,000 of the cost to elevate, relocate, or demolish the building or even flood-proof structures with qualified basements.

If your building is declared substantially damaged by your community, you'll be required to bring your building up to current building standards. ICC coverage can help pay those costs.

claims info

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*Information in the 3 bullets and average annual price provided by the National Flood Insurance Program.

**Cost calculated using Floodsmart.gov's interactive The Cost of Flooding tool.

Flood insurance policies are underwritten by the National Flood Insurance Program (NFIP). Coverages, discounts and billing options are subject to state availability, individual qualification and/or the NFIP's underwriting guidelines. New flood insurance policies are subject to a 30-day waiting period prior to taking effect. This is a brief description of coverage available. For complete details, including exclusions and limitations, please refer to the policy you will receive when you purchase the coverage. Flood insurance claims are processed by the NFIP. Esurance does not underwrite or pay claims for this product.